{"id":5135,"date":"2025-06-16T18:07:32","date_gmt":"2025-06-16T12:37:32","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=5135"},"modified":"2025-06-16T18:09:54","modified_gmt":"2025-06-16T12:39:54","slug":"how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/","title":{"rendered":"How To Avoid Being Tricked By Callers Claiming Money In Lapsed Policy"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#Understanding_the_Lapsed_Policy_Scam\" >Understanding the Lapsed Policy Scam<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#Why_These_Scams_Are_So_Effective\" >Why These Scams Are So Effective<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#1_They_Target_a_Common_Situation\" >1. They Target a Common Situation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#2_They_Create_Urgency\" >2. They Create Urgency<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#3_They_Sound_Official\" >3. They Sound Official<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#4_They_Know_Basic_Information_About_You\" >4. They Know Basic Information About You<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#Red_Flags_to_Watch_For\" >Red Flags to Watch For<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#1_Requests_for_Upfront_Payments\" >1. Requests for Upfront Payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#2_Requests_for_Sensitive_Financial_Information\" >2. Requests for Sensitive Financial Information<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#3_Pressure_Tactics_and_Urgency\" >3. Pressure Tactics and Urgency<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#4_Reluctance_to_Provide_Verifiable_Credentials\" >4. Reluctance to Provide Verifiable Credentials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#5_Unsolicited_Calls_About_Policies_You_Dont_Remember\" >5. Unsolicited Calls About Policies You Don&#8217;t Remember<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#How_to_Protect_Yourself\" >How to Protect Yourself<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#1_Never_Make_Immediate_Decisions\" >1. Never Make Immediate Decisions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#2_Dont_Share_Financial_Details_Over_Phone\" >2. Don&#8217;t Share Financial Details Over Phone<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#3_Verify_Independently\" >3. Verify Independently<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#4_Check_IRDAs_Website\" >4. Check IRDA&#8217;s Website<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#5_Report_Suspicious_Calls\" >5. Report Suspicious Calls<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#If_Youve_Already_Been_Scammed\" >If You&#8217;ve Already Been Scammed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#How_We_Can_Help\" >How We Can Help<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/#Stay_Vigilant\" >Stay Vigilant<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">&#8220;We&#8217;ve found unclaimed money in your lapsed insurance policy. To claim it, we just need your bank details&#8230;&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;ve ever received a call like this, you&#8217;re being targeted by one of the most common insurance scams in India today. We have seen many people who have fallen victim to these fraud attempts, and we want to help you protect yourself before it&#8217;s too late.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-5136\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/06\/blog4-4.jpg\" alt=\"\" width=\"1920\" height=\"1080\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_the_Lapsed_Policy_Scam\"><\/span><b>Understanding the Lapsed Policy Scam<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The &#8220;unclaimed money in lapsed policy&#8221; scam works by exploiting a simple truth: many people do have old insurance policies they&#8217;ve forgotten about or stopped paying premiums on. Scammers use this reality to create a convincing scenario that plays on both hope and fear. The hope of receiving unexpected money and the fear of missing out on what&#8217;s rightfully yours.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These fraudsters are clever. They often have just enough personal information about you to sound legitimate, making their claims of the <\/span><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/steps-to-revive-of-lapsed-life-insurance-policy\/\"><b>lapsed policy refund<\/b><\/a><span style=\"font-weight: 400;\"> seem credible and trustworthy.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_These_Scams_Are_So_Effective\"><\/span><b>Why These Scams Are So Effective<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The effectiveness of these scams comes down to a few key factors:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_They_Target_a_Common_Situation\"><\/span><b>1. They Target a Common Situation<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Lapsed policies are extremely common. Many people have purchased insurance at some point and later stopped paying premiums for various reasons. This creates a large pool of potential victims who might believe the scammer&#8217;s story.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_They_Create_Urgency\"><\/span><b>2. They Create Urgency<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">&#8220;This money will be surrendered to the government if not claimed within 24 hours&#8221; is a typical pressure tactic. This urgency prevents you from taking time to verify the caller&#8217;s claims.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_They_Sound_Official\"><\/span><b>3. They Sound Official<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Scammers often pose as officials from legitimate organisations like the IRDA (Insurance Regulatory and Development Authority), major insurance companies, or government agencies. They may even use spoofed phone numbers that appear to come from official sources.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_They_Know_Basic_Information_About_You\"><\/span><b>4. They Know Basic Information About You<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Perhaps the most concerning aspect is that these callers often have some accurate information about you- your name, that you once held a policy with a particular company, or other details that make their story seem plausible.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Red_Flags_to_Watch_For\"><\/span><b>Red Flags to Watch For<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here are key warning signs that the call about your &#8220;lapsed policy refunds&#8221; is actually a scam:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Requests_for_Upfront_Payments\"><\/span><b>1. Requests for Upfront Payments<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If the caller asks you to pay any amount, whether as a &#8220;processing fee,&#8221; &#8220;GST,&#8221; &#8220;release charges,&#8221; or &#8220;documentation costs&#8221;, it is almost certainly a scam. Legitimate insurance claims don&#8217;t require upfront payments from you.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Requests_for_Sensitive_Financial_Information\"><\/span><b>2. Requests for Sensitive Financial Information<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Be extremely cautious if the caller asks for your bank account details, credit card numbers, online banking credentials, or OTPs (One-Time Passwords). Real insurance companies already have secure channels for transferring funds and won&#8217;t ask for this information over the phone.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Pressure_Tactics_and_Urgency\"><\/span><b>3. Pressure Tactics and Urgency<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Statements like &#8220;this offer expires today&#8221; or &#8220;the funds will be forfeited if not claimed immediately&#8221; are designed to rush you into making poor decisions. Legitimate funds in lapsed policies don&#8217;t disappear overnight.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Reluctance_to_Provide_Verifiable_Credentials\"><\/span><b>4. Reluctance to Provide Verifiable Credentials<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ask the caller for their full name, employee ID, branch location, and official contact number. Scammers will either provide fake information or become evasive when pressed for these details.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Unsolicited_Calls_About_Policies_You_Dont_Remember\"><\/span><b>5. Unsolicited Calls About Policies You Don&#8217;t Remember<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While it&#8217;s possible to forget about an old policy, be extra cautious about claims regarding policies you have no recollection of purchasing. Ask for specific policy details and verify them independently.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Protect_Yourself\"><\/span><b>How to Protect Yourself<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Never_Make_Immediate_Decisions\"><\/span><b>1. Never Make Immediate Decisions<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Tell the caller you need time to verify their information. A legitimate representative will understand and respect this boundary.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Dont_Share_Financial_Details_Over_Phone\"><\/span><b>2. Don&#8217;t Share Financial Details Over Phone<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No matter how convincing the caller sounds, never share bank account numbers, card details, PINs, or OTPs during an unsolicited call.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Verify_Independently\"><\/span><b>3. Verify Independently<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If the caller claims to be from a specific insurance company, hang up and call that company&#8217;s official customer service number (look it up yourself online or from your policy documents). Ask them to verify if there&#8217;s truly any unclaimed money in your name.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Check_IRDAs_Website\"><\/span><b>4. Check IRDA&#8217;s Website<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Insurance Regulatory and Development Authority of India maintains information about unclaimed amounts. Their official website is the right place to verify such policy lapse claims rather than trusting a random caller.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Report_Suspicious_Calls\"><\/span><b>5. Report Suspicious Calls<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you receive suspicious calls, report them to the local cyber crime cell or the insurance company being impersonated. This helps authorities track and stop these scammers.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"If_Youve_Already_Been_Scammed\"><\/span><b>If You&#8217;ve Already Been Scammed<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you&#8217;ve already shared information or transferred money to such callers, take these immediate steps:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">1. Contact your bank immediately to flag the transaction and potentially stop the payment<br \/>\n<\/span><span style=\"font-weight: 400;\">2. File a complaint with the cyber crime cell in your area<br \/>\n<\/span><span style=\"font-weight: 400;\">3. Report the incident to the insurance company the scammer claimed to represent<br \/>\n<\/span><span style=\"font-weight: 400;\">4. Document all details of the communication for future reference<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_We_Can_Help\"><\/span><b>How We Can Help<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">At Insurance Samadhan, we specialise in resolving insurance-related disputes. If you&#8217;ve been victimised by a <\/span><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/what-are-lapsed-policies-and-how-do-they-get-lapsed\/\"><b>policy lapse<\/b><\/a><span style=\"font-weight: 400;\"> scam or are unsure about a call you&#8217;ve received, we can:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">1. Guide you through each step of the verification and complaint process<br \/>\n<\/span><span style=\"font-weight: 400;\">2. Help you determine if you actually have legitimate unclaimed funds<br \/>\n<\/span><span style=\"font-weight: 400;\">3. Assist in drafting proper communications to regulatory authorities<br \/>\n<\/span><span style=\"font-weight: 400;\">4. Support you in recovering lost funds when possible<br \/>\n<\/span><span style=\"font-weight: 400;\">5. Help you check if you have any genuine unclaimed insurance money<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our team&#8217;s extensive experience in the insurance industry gives us unique insights into how these scams work and how to combat them effectively.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Stay_Vigilant\"><\/span><b>Stay Vigilant<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Remember that legitimate insurance companies have established procedures for handling unclaimed funds, and these rarely involve unsolicited phone calls demanding immediate action or payment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When it comes to your financial security, skepticism is a virtue. Take your time, verify independently, and never let urgency cloud your judgment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re concerned about a call you&#8217;ve received or need help determining if you have legitimate unclaimed insurance funds, contact us at 95136-31312. We&#8217;re committed to protecting your financial wellbeing and fighting against insurance fraud in all its forms.<\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here to register your complaint with Insurance Samadhan<\/strong><\/a><\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/\"\n  },\n  \"headline\": \"How To Avoid Being Tricked By Callers Claiming Money In Lapsed Policy\n\",\n  \"description\": \"Learn how to spot and avoid scams claiming unclaimed money in lapsed insurance policies. Stay safe with tips from Insurance Samadhan.\n\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/06\/blog4-4.jpg?resize=640%2C360&ssl=1,\n    \"width\": 1920,\n    \"height\": 1080\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Insurance Samadhan\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": 224,\n      \"height\": 47\n    }\n  },\n  \"datePublished\": \"2025-6-16\",\n  \"dateModified\": \"2025-6-16\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction &#8220;We&#8217;ve found unclaimed money in your lapsed insurance policy. To claim it, we just need your bank details&#8230;&#8221; If you&#8217;ve ever received a call like this, you&#8217;re being targeted by one of the most common insurance scams in India&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-avoid-being-tricked-by-callers-claiming-money-in-lapsed-policy\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":5137,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[407,408,411],"tags":[],"class_list":["post-5135","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lapsed-policy","category-lapsed-policy-refund","category-reimbursement-claim"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Avoid Being Tricked By Callers Claiming Money In Lapsed Policy - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Learn how to spot and avoid scams claiming unclaimed money in lapsed insurance policies. 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